Not sure how in the US but

1) Card claiming process is blocking VPNs

2) It's very hard to pay with it, many vendors simply block prepaid cards

3) The UX of the card is just terrible

I wrote about this problem more in detail here: https://github.com/anton-isidore/articles/blob/main/articles/big-sadnesses-in-my-life/big-sadnesses-in-my-life.md#sadness-8-there-are-no-reliable-nokyc-credit-cards-providers